UBS Bank USA in Massachusetts vs the state
4.6%Denial rate-11.66 pts vs state
5.3%Decision denial rate-14.65 pts vs state
80.5%Origination rate+17.92 pts vs state
5.88%Median rate-0.75 pts vs state
-0.13Rate spread (pts)-0.23 pts vs state
$424kMedian applicant income
124Loans originated
7Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 82 | 6.5% | 6.00% | #221 |
| 2024 | 124 | 99 | 5.7% | 6.25% | #203 |
| 2025 | 154 | 124 | 4.6% | 5.88% | #195 |
What UBS Bank USA lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 41 | 36 | 2 | 4.9% |
| Suffolk County | 25 | 21 | 1 | 4.0% |
| Barnstable County | 16 | 12 | 1 | 6.3% |
| Norfolk County | 16 | 11 | 1 | 6.3% |
| Essex County | 14 | 12 | 0 | 0.0% |
| Plymouth County | 12 | 11 | 1 | 8.3% |
| Nantucket County | 8 | 6 | 0 | 0.0% |
| Berkshire County | 7 | 4 | 0 | 0.0% |
| Worcester County | 6 | 4 | 0 | 0.0% |
| Dukes County | 3 | 2 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 154 applications in 2025, of which 124 were originated and 7 denied.
4.6% of all applications, or 5.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans UBS Bank USA originated in Massachusetts in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology